Enhanced Retirement Illustration

Same income, paid for longer — and an estate left over.

Male, Age 55Deposit $100,000Duration 10 YearsNet Income $95,427/yr
The difference at age 90
Estate left to
the family$763,493
Years of income
(vs 9)16 years
Return needed
to match11.45%
Side by side

The same $95,427 a year — two very different outcomes

Metric
Status Quo · Alternative Investment @ 5%
Tax-Exempt InsuranceThe strategy
Deposit
$100,000
$100,000
Duration
10 yrs
10 yrs
Initial benefit
—
$1,221,620
Net income / yr
$95,427
$95,427
Income paid
Age 69–77 · 9 yrs
Age 69–84 · 16 yrs
Cumulative income
$888,369
$1,526,832
Estate at age 90
$0
$763,493
Increased family wealth @ 90
$763,493
Estate left to the family after a full retirement income.
Required rate of return @ 90
11.45%
What the alternative would need to earn to match this.

Figures are illustrative and based on current assumptions, including a non-guaranteed dividend scale; actual results will vary. Both scenarios assume identical annual net income of $95,427; the alternative investment depletes and ceases income earlier. This is a conceptual comparison, not an offer of insurance or a guarantee of future values. Personalized projections require a full illustration. Prepared for educational discussion purposes only. — Return on Life